Enter what you owe, what you bring home and what you spend. The Debt Audit tells you how serious your debt is, how long it will realistically take to pay off, and which way out fits your numbers. It’s free, there’s no sign-up, and nothing you enter is stored or sent.
How it works
- Enter your numbersYour debts with their balances, rates and minimums, plus your monthly take-home pay and expenses. Rough numbers are fine.
- See where you standA grade (Manageable, Stretched or Underwater), your key numbers, and two payoff plans side by side with the months and interest for each.
- See what fitsA plain-English explanation of which path fits your numbers, with a guide to what it involves, what it costs and the risks.
Five ways out of debt
Every path has tradeoffs. These guides explain who each one fits, what it costs, how it affects your credit and the red flags to watch for.
Pay it off yourself
Snowball or avalanche on your own budget. No fees, no new loan.
Debt consolidation
One new loan or balance transfer at a lower rate, if your credit qualifies.
Credit counseling
A nonprofit budget review, and possibly a debt management plan.
Debt settlement
Paying less than you owe. The riskiest option, so read the risks first.
Bankruptcy
Chapter 7 vs. 13 explained, and when to talk to a lawyer.
Calculators for specific questions
- Credit card payoff: how long your payment will take to clear a card, or the payment you’d need to hit a goal date.
- Snowball vs. avalanche: both payoff methods side by side for your debts.
- Consolidation savings: whether a consolidation loan would actually cost less, fees included.
- Balance transfer: whether a 0% card would save money after the fee, and the payment that clears it in time.
Why you can trust the numbers
- Nothing you enter leaves your browser. The audit runs on your device. There’s no account, no form submission and nothing saved. Privacy policy
- Published rules, no black box. The same numbers always give the same result, and every formula and threshold is public. How the audit works
- Sourced from official guidance. Rules and figures are checked against the CFPB, FTC, Federal Reserve, IRS and federal courts, and each page lists its sources.
- No one pays for a recommendation. The site doesn’t sell debt relief or refer you to companies or lawyers for a fee. About the site
Ready to see your numbers?
It takes about five minutes. You’ll leave with a grade, a payoff timeline for two plans, and a clear picture of your options.
Run the Debt AuditFrequently asked questions
Is the Debt Audit free?
Yes. There’s no charge, no sign-up and no email required.
Is my information stored or shared?
No. The audit runs entirely in your browser. Your numbers aren’t sent to our server or anyone else, and they’re gone when you close the page.
Is this financial advice?
No. The audit applies published rules to the numbers you enter and explains the options they point to. It’s a starting point for your own decision, not individual financial or legal advice.